Maclear Investor Update: October Highlights

October was an important month for Maclear — marked by continued growth in registrations, deposits, and investments, as well as the platform’s first default, which we managed with transparency and care. Here’s what the numbers show.

The analysis is made by the Maclear team.

Total Track Record

• Total funds invested (all time): €51,037,296
• Total registrations (all time): 23 303
• New registrations in October: 3120

The steady inflow of new investors continues to reinforce the platform’s positioning in Europe, with the most activity this month coming from France, Spain, and Portugal.

Top 3 investor countries

• France — 32,01%
• Spain — 20,36%
• Portugal — 18,34%
• Rest of countries — 29,29%

Deposits in October

Total deposits: €5,875,730

Top 3 countries by deposits

• France — €2,138,619 (36.40%)
• Spain— €1,716,053 (29.21%)
• Portugal — €566,388 (9.64%)
• Rest of countries — €1,454,670 (24.76%)

Investments in October

Total invested in projects: €7,103,628.99

Top funded projects

• Loan Originator — €3,800,356
• SIMAO-RT EOOD — €600,163
• Kanaprima — €499,955
• Tubes Trader — €350,008
• Proteam — €349,975

Top industries by funded amount

• Loan Originator — €3,903,199
• Agriculture — €1,350,095
• Services — €800,398
• Wholesale & services — €749,983
• Retail — €299,951

Repaid Loans in October

Vibroedil S.R.L. — The borrower entered bankruptcy proceedings in Italy. Following recovery actions, €150,082 was recovered and distributed to 315 investors. More details in the case study:  https://www.maclear.ch/blog/first-default-full-recovery

Coretrade — The borrower cancelled 3 of 5 project stages; as a result, €231,190 was distributed to 451 investors.

Legal info about Coretrade:

• The company leverages proprietary hardware and Al-driven retail technologies to bring grocery access to underserved rural and suburban areas;
• Its business model revolves around small-footprint modular stores equipped with smart cabinets and refrigerators;
• Among the clients are: permanent residents, seasonal homeowners and tourists, local commuters and pass-through travelers;
• Supply is managed through a centralized restocking agreement with Hofer (Slovenian subsidiary of Aldi Group).
• CodeTrade D.O.O. aims to expand from a pilot model to a fully operational retail network across Slovenia and northern Italy. The company has already secured 8 new locations and is going to launch 14 more units. They seek a €500,000 loan to meet their goals.

Key Takeaways

1. Investor activity in October was geographically diverse, with the top three countries driving the bulk of new verified registrations and deposits.
2. Deposits reached €5.87M while investments into projects totaled €7.10M, underscoring sustained momentum on the platform.
3. The platform repaid nearly €1.89M in principal across thirteen projects, benefitting more than 260 investors.
4. Maclear’s lifetime track record now stands at €51M invested and 23,000 total registrations.